KR20120035921A

KR20120035921A - Insurance fee paying trusting management service method for another contractor

Info

Publication number: KR20120035921A
Application number: KR1020120030427A
Authority: KR
Inventors: 이창근
Original assignee: 이창근
Priority date: 2012-03-26
Filing date: 2012-03-26
Publication date: 2012-04-16

Abstract

A premium payment consignment management service method is disclosed. The method according to the invention is carried out in a system with an insurance company server computer 16 connected via a first user terminal 10, a second user terminal 12 and a network 14. The server computer 16 includes a control unit and a database. The control unit includes a user authentication program 162, a payment application reception program 164, a payment management availability determination program 168, a consignment contract processing program 169, a payment management program 170, a settlement program 172 Include. The database stores contract information including a user authentication information database 180, subscription information, and premium payment maintenance status information, and when the premium payment consignment management application of the first user terminal 10 is applied, and the second user terminal 12 ) Includes a contract information database 182, a payment management database 184, and a settlement database 186 that provide the contract information when an inquiry is requested.
According to the present invention, if a policyholder who has an insurance plan that covers at least a part of the principal submits a referral application through a communication network at a time when it is difficult to pay a premium, a third party searches for the referral applications and selects a contract to be entrusted. By brokering and managing the insurance premiums for the contract, the policyholder can receive continuous guarantees without harming the financial loss due to termination. For the premium payer, the market interest rate is based on the principal paid by the policyholder. Compared to this, a premium payment consignment management service method that provides financial investment at a high interest rate is provided.

Description

Insurance fee paying trusting management service method for another contractor}

The present invention relates to a premium payment consignment management service method, and more particularly, at a time when it is difficult for a policyholder who has an insurance policy that at least part of the principal is guaranteed to pay the premium, the third party requests payment of the premium and pays the premium. Interest on interest relates to a premium payment consignment management service that ensures that the policyholder pays back the principal paid.

In general, insurance is operated by receiving premiums from a large number of subscribers who may face risks such as accidents, diseases, and disasters, and is used as a countermeasure against the economic loss to be incurred by the subscriber in the event of an insurance accident. To get this coverage, members pay some of their disposable income each month to the insurer to prepare for the risks of daily life.

Among insurance products, there are perishable insurances that do not return the premiums paid by the subscribers instead of paying insurance premiums in case of insurance accidents. They also compensate for the accidents that occur during the period of payment of insurance premiums. In this case, there is a reimbursement insurance that pays the principal or the principal plus a certain interest rate.

Perishable insurance is a product that is chosen by those who want to be guaranteed in case of an insurance accident instead of giving up repayment of the principal from the time of enrollment. Refundable insurance can cover principal or principal + interest at maturity while being covered for risk. It is a product that is selected by those who prefer it. Some of these insurances are short-term payments, such as travel insurance, and short-term insurance, while many of them are designed for long-term premium payments and long-term risks, such as five or ten years.

As such, when insurance premiums are paid for a long time, it is often difficult to maintain insurance due to financial difficulties caused by various reasons, such as unemployment of the insured, poor performance of the workplace, and closing of business. In this case, the insured person tends to spend his disposable income on the general cost of living rather than paying the premium, thus delaying the payment of the premium.

Accordingly, if the insurer fails to pay the premium for a certain period of time, the insurer will invalidate the contract so that the insurer will not be able to pay the insurance in the event of an accident. Since the insured did not fulfill the obligation to pay the premium, the insurer will temporarily suspend the contract until the insured pays the overdue premium.

On the other hand, many insurance subscribers cancel their insurance contracts to solve economic difficulties. The policy is to terminate the insurance contract and receive a refund to solve the immediate economic difficulties. However, if the subscriber requests the cancellation of the insurance product, the reimbursement refund will not be paid in full. If the premium payment period is short, the cancellation refund is only 10% to 20% of the premium paid, and the refund is only 70% to 80% of the premium paid, even if the premium is paid by the near maturity.

Therefore, according to the conventional insurance system, the insured person must receive the insurance premium until the expiration date to receive the premium paid or the premium paid by the insurer plus the interest paid by the insurer. The situation is a lot of money to lose money.

There is a reason for insurers to set a lower rate of refund for termination. As an insurer, all the costs incurred in designing and selling insurance products, such as labor costs, commissions for recruiters, computerization and public relations expenses, as well as the costs incurred during the initial sale of the product, as well as the actual accidents In order to cover the insurance premiums to be paid, and at least the profits required to maintain the insurer, premiums paid regularly by the insurer are essential. Therefore, if the insured asks for cancellation, the shorter the payment period, the less likely it is to offer a refund.

In spite of the structural reality that the cancellation refund of insurance products is small, it is guaranteed that the refund is too small for the principal even though no insurance accident occurred. Therefore, it is natural that cancellation refunds are small. "

On the other hand, insurers provide a service called "Terms Loan" to subscribers who have difficulty paying premiums. For example, if a subscriber who paid a total of 5 million won for 300,000 won a month applied for a loan agreement, if the cancellation refund amount is 1 million won, the loan will be repaid within the range of 1 million won that can be refunded rather than being terminated and terminated. To encourage them to maintain their insurance for three months. However, there is a problem that the criterion for the loan of the insurance policy is adopted based on the amount that can be refunded upon termination, not the total amount of principal paid by the contractor.

After three months, if the economic condition of the insured does not improve, starting from the fourth month, the insured cannot enjoy the insurance function, and the cancellation refund is almost zero. Moreover, these terms loans also have the problem that very high interest rates apply.

As a result, the conventional insurance system is forced to withdraw the original insurance function and endeavors to protect the subscribers who have been loyal to the insurance company in the event that the subscribers who have to pay the premiums for a long time are unable to pay the premiums due to the economic difficulties. The lending of the terms and conditions presented as a supplementary measure will also be used as a device to exhaust the cancellation refund.

The present invention was developed in order to solve the above problems, and the technical problem to be achieved by the present invention is that at least a part of the principal insured insured by the policyholder is difficult to pay the premium to the third party through the communication network When a consignment management application requesting payment of premiums is submitted, a third party searches for the consignment applications, selects a contract to be entrusted, and brokers and manages to pay the insurance premiums of the selected insurance contract. Not only do you have to lose money, you can enjoy continuous coverage without paying additional premiums in the future, and you can make a financial investment at a higher rate than the market interest rate by using the principal paid by the policyholder. Premium payment consignment management service room It is to provide a law.

Premium payment consignment management service method according to the present invention for achieving the above object,

The second user terminal 12 and the network 14 in which the policyholder inquires of the premium payment maintenance application of the first user terminal 10 and the first user terminal 10 applying for the payment of premiums and concludes the premium payment contract. In the premium payment consignment management service method having an insurance company server computer (16) connected through a broker to pay the premium of the policyholder and manages the payment of premiums,

The server computer 16 is composed of a control unit for controlling a program and a database for storing various kinds of information,

The control unit,

Contract information based on the user authentication program 162 for authenticating the user, the payment application acceptance program 164 for accepting the premium payment consignment management application from the first user terminal 10 (step S200), and the premium payment consignment management application. Using the remaining period and insurance premium maintenance status information obtained by querying the database 182, it is possible to determine whether or not payment management is possible (step S212). The contract management program 169 that processes the premium payment contract application (step S220), manages the premium payment according to the premium payment contract application (step S230) and uses the result to update the payment management database 184. When the payment management program 170, contract expiration or insurance payment reason occurs (step S420) to perform the settlement process (step S250) Is included in the settlement program 172,

The database may store contract information including a user authentication information database 180 storing user authentication information, subscription information, and premium payment maintenance status information, and apply for premium payment consignment management of the first user terminal 10; The second user terminal 12 includes a contract information database 182, a payment management database 184, and a settlement database 186 that provide the contract information when the inquiry request is made.

In addition, the payment application acceptance program 164 of the insurance company server computer 16,

Providing selection information so that the applicant can select an interest rate when applying for payment;

Accepting a loan payment request at an interest rate selected by the first user terminal 10; And

The received user loan application information received from the first user terminal 10 is sorted using a factor selected from a remaining period, a payment period, a payment principal, an interest rate, or a combination thereof, and the sorted premium payment application information is arranged by the second user. Providing to the terminal 12; preferably.

And an interest rate selecting step (step S202) of selecting an interest rate to be paid by the first user for the premium payment of the second user,

From the first user terminal 10 receives a premium payment consignment management application including the interest rate selection (step S200),

The payment commission management availability determination program 168,

Based on the premium payment consignment management application, it is preferable to determine whether or not consignment management is possible using the remaining period obtained by querying the contract information database 182 and the premium payment maintenance status information and the interest rate selection (step S212). .

In addition, the settlement program deducts the interest calculated on the payment of the premium of the second user from the amount received by the first user when the insurance contract period expires or the reason for the payment of insurance benefits, and the premium paid by the second user. It is more preferable to perform a process of notifying the first user terminal 10 and the second user terminal 12 of the settlement to be paid to the second user together with the principal and the settlement result. The interest on the premium payment of the second employer may apply the interest rate determined in the premium payment management contract.

In addition, the control unit,

It further includes a product block generation program 166 for generating a product block by dividing the premium payment application received by the payment application acceptance program 164 based on the remaining period and the number of months of the premium paid up to now and the interest rate selection. and,

The consignment contract processing program 169 provides the premium payment consignment application information for each product block so that the first user can determine which block corresponds to the premium payment consignment application to be applied, and then the premium from the first user terminal 10. It is also possible to accept a loan consignment management application (step S200).

According to the present invention, if a policyholder who has an insurance plan that covers at least a part of the principal submits a referral application through a communication network at a time when it is difficult to pay a premium, a third party searches for the referral applications and selects a contract to be entrusted. By intermediary and management to pay the premiums of the contract, the policyholder does not have to bear the loss of money due to the termination, and only pays interest at the time of maturity, so they can receive a very large refund compared to the termination. In case of receiving insurance due to an accident and receiving an insurance premium, the insured shall pay only the principal of the person who paid the premium from the amount to be paid and the interest for the contracted period, without dividing the premium at the rate of sharing the premium. In that there is no change in your benefits. There is an advantage. In addition, insurance premiums are secured by the insurance company, and the premiums paid by the applicant for the premium payment are paid by the insurance company. Since the consignment contract is selectively concluded on the basis of the amount exceeding the amount of interest that can be received, there is no possibility of receiving interest on the loan, and the probability of attracting the lender according to the interest rate presented by the insurance trust applicant is high. As a result, the applicant voluntarily presents interest higher than the market interest rate, so that, in the end, an individual insurance policy commissioner may receive interest higher than the market interest rate with zero risk of loss of principal from an investor's point of view, and even withdrawal. Interest portion to be paid is It can be used as a financial investment instruments that are secured by insurance in the mouth.

1 is a block diagram illustrating an example of a system structure in which a premium payment consignment management service method according to the present invention is performed;
2 is a flow chart showing the main process of the premium payment consignment management service method according to the present invention;
3 is a view for explaining a process of applying for premium payment commissioned by the first user computer of the policyholder in the premium payment commission management service method according to the present invention;
4 is a view for explaining a process of searching for a premium payment consignment application by the second user computer of the premium payer in the premium payment consignment management service method according to the present invention;
5 is a conceptual diagram showing a process from the premium payment consignment management service method according to the present invention until the payment agreement application received,
Figure 6 is a block diagram for explaining in more detail the step of determining whether the payment management of the premium payment commission management service method according to the present invention (S212),
7 is a block diagram illustrating a premium payment management and settlement process of the premium payment consignment management service method according to the present invention;
8 and 9 is a conceptual diagram for explaining the effect of the premium payment consignment management service method according to the present invention, and
10 and 11 are block diagrams showing another example of a system structure in which a premium payment consignment management service method according to the present invention is performed.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings.

1 is a block diagram illustrating an example of a system structure in which a premium payment consignment management service method according to the present invention is performed, and FIG. 2 illustrates a main method of a premium payment consignment management service method performed in the system of FIG. 1. The process is shown as a flow chart.

1 and 2, a system in which a premium payment consignment management service method according to an embodiment of the present invention is performed may include a first user terminal 10 and a first user terminal 10 through which a policyholder applies for maintenance of premium payment. And an insurance company server computer 16 connected through the network 14 and the second user terminal 12 for inquiring the premium payment maintenance application of 10) to conclude the premium payment contract. The insurance company operates the insurance company server computer 16 to broker the user who pays the insurance premiums of the policyholder and manage the payment of the insurance premiums.

The server computer 16 includes a control unit for controlling a program and a database for storing various types of information, and the control unit entrusts premium payment from the user authentication program 162 for authenticating the user and the first user terminal 10. Loan management by using the remaining period and premium payment maintenance status information obtained by inquiring the payment application reception program 164 that receives the management application (step S200) and the contract information database 182 based on the premium payment consignment management application. Payment management possibility determination program 168 for judging whether or not it is possible (step S212), a consignment contract processing program 169 for processing the premium payment contract application from the second user terminal 12 (step S220), The premium payment according to the premium payment contract application is managed (step S230) and the payment management database 184 is used using the result. A payment management program 170 for updating the payment process, and a settlement program 172 for performing the settlement process (step S250) and updating the settlement database using the result when a contract expiration or insurance payment reason occurs (step S420). ,

3 illustrates an example of a screen for explaining a process of applying for premium payment consignment by a first user computer of a policyholder in a premium payment consignment management service method according to the present invention. Referring to FIG. 3, when the first user terminal 10 connects to the insurance company server 16 via the network 14, the insurance company server computer prepares a guide for the insurance contract management state by driving the main program 160. In addition, the user authentication program 162 is driven to perform an authentication procedure. When the user clicks the premium payment application on the homepage, the application is transmitted to the first user terminal 10 requesting the premium payment. The application includes an area 30 for displaying insurance information, which includes a member 300, an expiration date 302, and a status of maintaining premium payments 304 including remaining periods. The application also includes an area 32 for applying for premium payment, which may include an optional information button 322 to allow the applicant to select an interest rate when applying for payment (step S202), indicating agreement with the terms. The application is confirmed by the button and the application confirmation button 324.

Figure 5 shows the process from the premium payment consignment management service method according to the present invention until the application for payment contract payment. Referring to FIG. 5, when it is difficult for a first user who is an original contractor to pay a premium, the insurance company provides a contract information when applying for premium payment consignment management through the first user terminal 10 and the network 14 (step S500). The database 182 is searched to determine whether the premium payment consignment management is possible or to present an appropriate interest rate based on interest rate selection information, preferably inquired contract information (step S510), to determine the interest rate and to manage the premium payment consignment management. Apply (step S520). The insurance company server 16 receives the payment settlement management application (step S530), arranges the received application, and generates and presents a product block (step S540). The second user who is the payment contractor inquires the product block through the second user terminal 12 and the network 14 (step S542), and inquires by changing and selecting the inquiry condition (step S544) as necessary. After determining the appropriate product, the insurance premium contract is concluded (step S550).

The method according to the present invention establishes only the insurance contract of which the insurance premium of the first user is paid for a predetermined period or more of the entire insurance period. In other words, if the maintenance period is too short, premium payment management may not be achieved. To this end, more preferably, as shown in FIG. 6, the premium payment consignment management determination program 168 may include the interest rate selection information 600 received from the first user terminal 10 and the contract information database 182. Using the payment principal information 182a and the remaining contract information 182b stored therein, it is determined whether premium payment consignment management is possible (step S212).

More preferably, the payment application acceptance program 164 selects an interest rate to be paid for the payment to the second user who will pay the premium for the second user's premium payment (step). S202), and for this purpose, the payment application receiving program 164 provides the first user terminal 10 with selection information so that the applicant can select an interest rate when applying for payment, and from the first user terminal 10; A premium payment consignment management application including an interest rate selection is received (step S200), and the payment consignment management availability determination program 168 is obtained by querying the contract information database 182 based on the premium payment consignment management application. Use period and premium payment status information and interest rate selections to determine whether payment management is possible. If the premium payment period is too short and you apply for consignment at a time when the principal size is small, there will be a risk of interest collection because the interest paid by the premium payer will not be secured later, and the interest rate presented by the applicant even if the payment period is not short. This is because if the interest to be collected is higher than the premium paid by the applicant when calculated based on the principal to be invested in the remaining period, this also creates a risk of interest recovery. Therefore, if the insurance principal paid up by the applicant at the time of settlement under the settlement agreement is smaller than the amount of interest to be received by the lender in the future, the second user may not be selected. Therefore, the payment entrustment management availability determination program 168 determines whether or not the payment entrustment management and notifies the fact to the first user terminal 10 if it is impossible to entrust (step S214), otherwise the first user terminal 10 ), A payment request for payment is received (step S216).

The insurance company server 16 now recruits users to pay the premiums by allowing the second user terminal 12 to query, select, and enter into a contract for the received payment maintenance application via the network 14. 4 illustrates an example of a screen for explaining a process of searching for a premium payment consignment application by the second user terminal 12 of the premium payer in the premium payment consignment management service method according to the present invention. Referring to FIG. 4, the payment application acceptance program 164 of the insurance company server computer 16 provides the payment user application information received from the first user terminal 10 to the second user terminal 12. For the second user, the shorter the remaining term 40 of the insurance contract to pay the premium, the longer the contract number of months 42 to pay would be preferred. That is, if the remaining period 40 of the insurance contract is long or the number of months 42 paid is short, the interest rate 44 should be set large so that the probability of the premium payment contract will be increased. In consideration of this, the payment application reception program 164 of the insurance company server computer 16 receives the payment application information received from the first user terminal 10 for the remaining period 40, payment period 42, payment principal and interest rate. (44) or the combination of the selected premium payment application information is provided to the second user terminal 12. Alternatively, a product block generation program 166 for generating a product block by dividing the premium payment application received by the payment application acceptance program 164 based on the remaining period and the number of months of the premium paid up to now and the interest rate selection. Further, the consignment contract processing program 169 provides the premium payment consignment application information for each product block so that the first user can grasp which block corresponds to the premium payment consignment application to be applied, and then the first user terminal ( 10) can receive the premium payment consignment management application (step S200). The second user selects a product to pay the premium from among the presented products, and enters into a contract for the second user to pay the premium through user authentication by the user authentication program 162 (step S220).

According to the premium payment consignment management contract concluded, the second user pays the premium of the insurance subscribed to by the first user. The payment management program 170 checks whether the second user normally pays the premium for the insurance contract of the first user, and updates the payment management database 184 using the result if the premium is paid normally. If the premium cannot be paid normally, the first user terminal 10 will be notified to discuss the termination of the contract and will not be described in detail due to the characteristics of the present invention.

7 is a block diagram illustrating a premium payment management and settlement process of the premium payment consignment management service method according to the present invention. Referring to FIG. 7, the settlement program 172 of the insurance company server 16 pays the premium while the second user who is the payment contractor pays the premium (step S700) and manages the premium payment by the payment management program (step S702). The reason for the payment or the expiration of the contract has been monitored (step S240), and if the insurance contract period has expired or the reason for the payment has occurred, the principal for the premium payment and the period interest calculated at the contracted interest rate are added to the first A settlement process is performed to first deduct the insurance premium or the maturity receipt of the user and pay the second user, and pay the remaining balance to the first user (steps S250 and S710), and use the result to settle the settlement database 186. Update. In addition, the settlement management program 172 notifies the first user terminal 10 and the second user terminal 12 of the result of the settlement.

8 and 9 are conceptual views illustrating the operation and effect of the premium payment consignment management service method according to the present invention.

Referring to Figure 8, according to the premium payment consignment management service method according to the present invention, when it is difficult to pay the premium in a state in which a relatively short maintenance period has elapsed since the conclusion of the original contract (step S800), the conventional case There is virtually no cancellation refund when the insurance contract is terminated, and the original contractor suffers a large loss. According to the present invention, the second user pays the premium of the first user through the conclusion of a payment contract (step S810). In operation S820, the first user may be continuously guaranteed. The interest on the premium paid by the second user after the conclusion of the payment contract (step S810) is secured by the principal of the insurance money of the first user. Since the cancellation fee of the related art is so small, it is possible to satisfy the first user even if the interest on the loan premium is applied by applying interest much higher than the market interest rate. Interest can be paid at maturity, but it can also be settled mid-term, given that insurance contracts are long term.

Referring to Figure 9, according to the premium payment consignment management service method according to the present invention, in the conventional case after the termination of the original contract (step S800), even if the insurance contract is terminated in a state in which the maintenance period has elapsed close to the contract expiration The refund does not reach the principal and causes a significant loss of principal. According to the present invention, it is possible to find a user who pays the premium for a short period without much difficulty.

Meanwhile, in the above embodiment, the insurance company brokers and manages the premium payment consignment contract as an example, but it is also possible to arrange and manage an intermediary consignment management server in a company that brokers the consignment contract by receiving contract information from the insurers. . 10 and 11 show another example of a system structure in which the premium payment consignment management service method according to the present invention is performed as a block diagram. 10 and 11, a system in which a premium payment consignment management service method according to another embodiment of the present invention is performed includes: a first user terminal 100 and a first user terminal (where a policyholder applies for maintenance of premium payment); Second user terminal 102 for inquiring premium payment maintenance application of 100), insurance company server computers 106_1, 106_2, ..., 106_N connected through network 104, and brokerage consignment The company brokers a user who pays the insurance premiums of the policyholder and operates an intermediary consignment management server 108 for managing premium payments. Where N is the number of insurers. The insurer stores the contractor's contract information.

The intermediary consignment management server 108 is composed of a control unit for controlling a program and a database for storing various types of information, and the control unit is a user authentication program for authenticating a user, and premium insurance consignment management from the first user terminal 100. Loan management application that determines whether or not it is possible to manage the loan using the remaining period obtained by querying the contract information database based on the premium payment trust management application and the premium payment maintenance status information. Program for managing a premium contract based on whether or not a judgment program, a premium payment contract application from the second user terminal 102, and manages premium payment according to the premium payment contract application and updates the payment management database 184 using the result. Payment Management Program, Contract Expiry Or a settlement program that performs the settlement process and uses the results to update the settlement database if a claim is raised;

The database stores a user authentication information database in which user authentication information is stored, contract information including subscription information and premium payment maintenance status information, and when the premium payment consignment management application of the first user terminal 100 is applied, and the second user. The terminal 102 includes a contract information database, a payment management database, and a settlement database that provide the contract information when the inquiry request is made. Since the components constituting the controller and the database perform the same operations as those described with reference to FIGS. 1 and 2, description thereof is omitted.

In the case of such an embodiment, each insurer handles and manages the premium payment consignment contract at an intermediary consignment management company without having to develop a duplicate program, so that the insurance broker can more specifically broker the premium payment and check the payment status. You will be able to settle and notify.

10: first user terminal 20: second user terminal
14: network
16: insurance company server computer
162: user certification program
164: payment application program
166: product block generation program
168: program for judging payment management
170: payment management program
172: Settlement Program
180: user credentials database
182: Contract Information Database
184: payment management database
186: Settlement Database

Claims

The second user terminal 12 and the network 14 in which the policyholder inquires of the premium payment maintenance application of the first user terminal 10 and the first user terminal 10 applying for the payment of premiums and concludes the premium payment contract. In the premium payment consignment management service method having an insurance company server computer (16) connected through a broker to pay the premium of the policyholder and manages the payment of premiums,
The server computer 16 is composed of a control unit for controlling a program and a database for storing various kinds of information,
The control unit,
Contract information based on the user authentication program 162 for authenticating the user, the payment application acceptance program 164 for accepting the premium payment consignment management application from the first user terminal 10 (step S200), and the premium payment consignment management application. Using the remaining period and insurance premium maintenance status information obtained by querying the database 182, it is possible to determine whether or not payment management is possible (step S212). The contract management program 169 that processes the premium payment contract application (step S220), manages the premium payment according to the premium payment contract application (step S230) and uses the result to update the payment management database 184. When the payment management program 170, contract expiration or insurance payment reason occurs (step S420) to perform the settlement process (step S250) And using a result including the settlement program 172 to update the accounting database 186,
The database may store contract information including a user authentication information database 180 storing user authentication information, subscription information, and premium payment maintenance status information, and apply for premium payment consignment management of the first user terminal 10; Premium payment consignment management service method characterized in that the second user terminal 12 includes a contract information database 182, a payment management database 184, a settlement database 186, which provides the contract information when the inquiry request is made. .

The payment application reception program 164 of the insurance company server computer 16,
Providing selection information so that the applicant can select an interest rate when applying for payment;
Accepting a loan payment request at an interest rate selected by the first user terminal 10; And
The received user loan application information received from the first user terminal 10 is sorted using a factor selected from a remaining period, a payment period, a payment principal, an interest rate, or a combination thereof, and the sorted premium payment application information is arranged by the second user. Providing to the terminal (12); Premium payment consignment management service method characterized in that it performs.

The method of claim 1,
The payment application acceptance program 164 of the insurance company server computer 16
And an interest rate selecting step (step S202) of selecting an interest rate to be paid by the first user for the premium payment of the second user,
From the first user terminal 10 receives a premium payment consignment management application including the interest rate selection (step S200),
The payment commission management availability determination program 168,
Based on the premium payment consignment management application, it is determined whether or not consignment management is possible using the remaining period obtained by querying the contract information database 182 and the premium payment maintenance status information and the interest rate selection (step S212). Premium payment consignment management service method to do.

The method of claim 3,
The settlement program 172,
If the term of the insurance policy has expired or if the reason for payment has occurred, the amount of money received by the first user shall be deducted from the principal's principal, including the principal calculated on the second user's payment of the premium and the interest calculated using the contracted interest rate. Paying the premium after paying the second user to pay the balance to the first user, and notifying the first user terminal 10 and the second user terminal 12 of the settlement result. Foster Care Service Method.

The apparatus of claim 3,
It further includes a product block generation program 166 for generating a product block by dividing the premium payment application received by the payment application acceptance program 164 based on the remaining period and the number of months of the premium paid up to now and the interest rate selection. and,
The consignment contract processing program 169 provides the premium payment consignment application information for each product block so that the first user can determine which block corresponds to the premium payment consignment application to be applied, and then the premium from the first user terminal 10. Premium payment consignment management service method, characterized in that for accepting payment management application (step S200).

A second user terminal 102 inquiring a premium payment contract by inquiring a premium user of the first user terminal 100 and the first user terminal 100 that the insurance policyholder requests to maintain the premium payment, and N is the insurance company's insurance company. Brokerage broker computers (106_1, 106_2, ..., 106_N), and intermediary consignors connected through the network 104 to intermediate users who will pay the premiums of the policyholders and manage the premium payment As a premium payment consignment management service method for providing a server 108 to broker a user who pays a premium of a policyholder and manages premium payment,
The intermediary consignment management server 108 is composed of a control unit for controlling a program and a database for storing various types of information, and the control unit is a user authentication program for authenticating a user, and premium insurance consignment management from the first user terminal 100. Loan management application that determines whether or not it is possible to manage the loan using the remaining period obtained by querying the contract information database based on the premium payment trust management application and the premium payment maintenance status information. Program for managing a premium contract based on whether or not a judgment program, a premium payment contract application from the second user terminal 102, and manages premium payment according to the premium payment contract application and updates the payment management database 184 using the result. Payment Management Program, Contract Expiry Or a settlement program that performs the settlement process and uses the results to update the settlement database if a claim is raised;
The database stores a user authentication information database in which user authentication information is stored, contract information including subscription information and premium payment maintenance status information, and when the premium payment consignment management application of the first user terminal 100 is applied, and the second user. The premium payment consignment management service method, characterized in that the terminal (102) includes a contract information database, a payment management database, and a settlement database for providing the contract information when the inquiry request is made.